{"id":44,"date":"2023-11-17T04:00:00","date_gmt":"2023-11-17T10:00:00","guid":{"rendered":"https:\/\/www.skylineteams.com\/blog\/?p=44"},"modified":"2023-11-30T17:44:37","modified_gmt":"2023-11-30T23:44:37","slug":"what-is-a-non-owner-policy-and-should-i-get-one","status":"publish","type":"post","link":"https:\/\/www.skylineteams.com\/blog\/what-is-a-non-owner-policy-and-should-i-get-one\/","title":{"rendered":"What is a Non-Owner Policy, and Should I Get One?"},"content":{"rendered":"<p>Non-owner insurance policies are not your traditional auto insurance policies that cover a particular driver in a certain vehicle.&nbsp; They are designed specifically for individuals who frequently drive even though they don&#8217;t have a car.&nbsp; It&rsquo;s not a full coverage plan, which includes comprehensive and collision coverages.&nbsp;&nbsp; In Florida, this specific policy provides liability coverage to protect the property and bodily injuries of others if the non-owner policyholder is found liable in an auto accident.<\/p>\n<h2>Non-Owner Policy: An Auto Insurance Guide<\/h2>\n<p>To qualify for a non-owner policy in Florida, you must have a valid driver&#8217;s license and not own a vehicle.&nbsp;&nbsp; A non-owner policy is good for drivers who frequently borrow a car from a friend or family member or drive a rental vehicle.&nbsp; It provides the minimum amount of coverage required by the state with optional add-ons specific to the insurance carrier you choose.&nbsp;<\/p>\n<p>Here at Skyline Insurance LLC in Jacksonville, FL, we have industry-trained experts to help you make an informed decision concerning the construction of your non-owner policy. Non-owner policies aren&#8217;t mandatory for everyone but are very beneficial in many cases.&nbsp;<\/p>\n<h3>Here are a few scenarios to consider when determining if you should purchase a non-owner policy:<\/h3>\n<ul>\n<li>You use a car-sharing service that includes low liability limits and large deductibles you must pay after an accident.<\/li>\n<li>You don&#8217;t own a car but must still have proof of insurance because of a DUI or other violations.<\/li>\n<li>You regularly rent cars.&nbsp; If you have a non-owner policy, you could possibly avoid the fees for insurance charged to you by the rental company.<\/li>\n<li>You have an employer-issued vehicle but often use it to run your personal errands.&nbsp;<\/li>\n<li>You want to save money on future coverage when you purchase an automobile.&nbsp; Maintaining continuous coverage may help you receive better rates.<\/li>\n<\/ul>\n<h3><span style=\"color:#2f5496\"><span style=\"color:black\">Have Questions? Consult With Us<\/span><\/span><\/h3>\n<p>If you&#8217;d like to know more about a non-owner policy to ensure you&#8217;re adequately covered on the road, contact us at Skyline Insurance LLC in Jacksonville, FL.&nbsp; We are glad to help.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Non-owner insurance policies are not your traditional auto insurance policies that cover a particular driver in a certain vehicle.&nbsp; They are designed specifically for individuals who frequently drive even though they don&#8217;t have a car.&nbsp; It&rsquo;s not a full coverage plan, which includes comprehensive and collision coverages.&nbsp;&nbsp; In Florida, this specific policy provides liability coverage [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[6,7],"class_list":["post-44","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-jacksonville-fl","tag-skyline-insurance-llc"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.skylineteams.com\/blog\/wp-json\/wp\/v2\/posts\/44","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.skylineteams.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.skylineteams.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.skylineteams.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.skylineteams.com\/blog\/wp-json\/wp\/v2\/comments?post=44"}],"version-history":[{"count":1,"href":"https:\/\/www.skylineteams.com\/blog\/wp-json\/wp\/v2\/posts\/44\/revisions"}],"predecessor-version":[{"id":45,"href":"https:\/\/www.skylineteams.com\/blog\/wp-json\/wp\/v2\/posts\/44\/revisions\/45"}],"wp:attachment":[{"href":"https:\/\/www.skylineteams.com\/blog\/wp-json\/wp\/v2\/media?parent=44"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.skylineteams.com\/blog\/wp-json\/wp\/v2\/categories?post=44"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.skylineteams.com\/blog\/wp-json\/wp\/v2\/tags?post=44"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}